Loved life a wee bit too much!

mum2one

Hope DS had fun spending spending his vouchers, anything like madam, as soon as she had hers it was spent, Horrid Henry books, she was so plzed as one came with a woopie cushion..... thought remember them the 1st time around!

Thats a good idea re direct debits, and get them set back up while straight, like u say the priorites are house, council tax and gas etc.

What I would do is ring the credit card companies and say your be late with payment - that way save the hassle of phonecalls, I had to do that Dec with one of mine and they were really good and said as I'd notified them they wouldn't put on £12 charge - long shot but worth a try.

Sounds like your kicking the new yr off with avengance. xx

InaPickle

Well at least you have a plan, BtD, and that's something!

Lol @ your pecking order.

victoriaplum1

BEAT_THE_DEBT wrote: »

I will do a statement of affairs v soon i am awaiting a new mortgage figure i put it up to 25 yrs from 16 (i need the money now me thinks)!!!!:rotfl:.
I have absorbed all the info on here like a sponge!!!! This site really is a godsend!:T.

Good to hear you are enjoying the money saving experience and are happy! Just wanted to ask where did you start with the money saving? I am on here looking at the forums etc but no idea where to start or which challenges to take up - could you recommend any threads to start with?! I haven't got huge debts - I have a 2.6k credit card debt, £200 on a catalogue but a 105k interest only mortgage which is something I need to address....I don't think my house is worth much more than the 105k paid 4 years ago so I need to find a way to cut back and get money put aside for getting the mortgage down. I would be interested in any advice re where to start! And also how do you keep motivated??!!!

REDMADCURLS

Victoriaplum you could look on the MFW (mortgage free wannabe's) forum for advice from those who are tackling their mortgages primarily.

Also look at the debt free diaries to give you ideas of how to get rid of debt.

Have a look, you will get lots of ideas

InaPickle

victoriaplum1 wrote: »

Good to hear you are enjoying the money saving experience and are happy! Just wanted to ask where did you start with the money saving? I am on here looking at the forums etc but no idea where to start or which challenges to take up - could you recommend any threads to start with?! I haven't got huge debts - I have a 2.6k credit card debt, £200 on a catalogue but a 105k interest only mortgage which is something I need to address....I don't think my house is worth much more than the 105k paid 4 years ago so I need to find a way to cut back and get money put aside for getting the mortgage down. I would be interested in any advice re where to start! And also how do you keep motivated??!!!

:wave: victoriaplum!

You didn't ask for my opinion, but as BtD is currently otherwise occupied, you are going to get it! :rotfl: Under most circumstances (and you will need to check the fine print on all your agreements), it is generally more prudent to get rid of any debt before overpaying on your mortgage/changing from interest only as they acrue a higher level of interest. If that is the case, I would recommend paying off your debts (even though they aren't massive) before sorting out the mortgage as it shouldn't take you to long, and will then be easier for you to focus on your mortgage as it will only be one thing to pay back, rather than several.

Of course, that all depends on your circumstances, so check carefully, but as for motivation, most people end up becoming a bit addicted to the :money: way of life. You might, too! :T

As for challenges, if really depends on your personality. Loads of people swear by the 'Payment a Day' thread, where you pay something (however small) off your debts each day, but it just doesn't work for me, unfortunately. However, I've realised that I have a simply stupid number of books, DVD and spare toiletries, so I've joined challenges to not buy any more of them until I've used up what I already have. It's surprising what you have hanging round when you start looking.

Best of luck! :T

BEAT_THE_DEBT

:)Hi and welcome vplum, for me i take each day as it comes and look at baby steps,i dont look to far forward as i would become despondent and think well i owe this much whats another few hundred.:eek:
I do the obvious first like look at out goings cancel things get things cheaper.
Down shift brands in super market, meal plan look for deals.
I shop for christmas all year around and mum 2 ones christmas thrifty 2011 is great for this on the occasions board.:)
I ask myself do i really need it before buying and i have re shopped in my wardrobe wearing old clothes that maybe i wore for a night out and shelved!:eek:
I cut out take awaya and i may have about 4 a year now!
I stopped buying ds comics and toys every week (no good to spoil them anyway).

The pad challenge is good and i dont do it but will start. (payment a day).
I READ DIARIES ALL THE TIME ON HERE AND HAVE MADE GREAT FRIENDS!!!!!!!:A
I now appreciate EVERYTHING i value my time spent with my family and money cant but that.
I am thankful that i have had my LBM now and i have time to sort it out and still have a future.:)
Dh and i have 2 jobs each!!!:):)
Um i think it becomes second nature to watch pennies when you start.
Good luck Victoria plum and you are welcome here anytime i have a lovely gang who i see have already helped you,they have helped me no end they are friends i have never met but value all the same!!:A i hope this a been a bit useful to you,
love btd

mum2one

Thank you BTD, your one in a million xx

BEAT_THE_DEBT

Hello:wave:well i have done something today i have not done fopr agesdue to taking on 2nd job. I trawled the supermarkets for all the best deals. If you have the time you really can save some money.:T
Ds loves star wars and also wanted guess who the game and i managed to get a guess who star wars game for £7.99 in home [EMAIL="barg@ns"]barg@ns[/EMAIL] :T.
Got the squash deal from morrisons 2L for £1 robinsons also got t/roll 18 rolls for £2.99 home [EMAIL="barg@ns"]barg@ns[/EMAIL] to!!!
Got some luxury christmas napkins 50p:)
A good days shop!
I am going out fri for an indian have to go as i have said no so many times its embarrasing (i am sure some of you know what this is like)!
I am driving so no drink and i wont have a starter as i am on ww!
They always split the bill anyway:(. Never mind they are lovely friends. (mix of budgets).
You dont really realise how much money you used to waste before mse do you i used to hemmoragae it!:eek::eek:
Off to catch up with you all now.
btd (plodding not running)xxxx

REDMADCURLS

I didn't realise/remember you are doing ww. How are you finding the new pro-points, my head is pickled with them.

Well done on the shopping, you have a great 'nose' for a bargain

BEAT_THE_DEBT

Hi red i am doing pro points i like it. I am selling all my old plan stuff on ebay as i have been told its very sought after!
I was doing really well then put 10pound back on ahhhhh:eek:.
But i have been back on it a week and lost 3 and a half:T.
I dont go to class i bought books from ebay.x
What u doin red?xxx